Suppose you apply for a personal housing provident fund loan business at Bank of China in Jiangsu Province.

1. The loan applicant must meet the following conditions at the same time: 1. A natural person who is over 18 years old and has full capacity for civil conduct; 2. Have a permanent residence or valid residence status in China, and be in the place where the loan is applied for. Pay the housing provident fund; 3. Have stable employment and economic income, good credit record, and the ability to repay the principal and interest of the loan; 4. The property rights purchased are clear, and the buyer and seller have signed a legal and effective house sales contract or agreement; 5. Own or have The payment must be more than the down payment, and corresponding proof can be provided. 2. Loan application: 1. After you sign the real estate sales contract with the seller, the account manager will guide you to fill in the loan application form and collect and verify the following written information: (1) The applicant’s valid identity certificate (referring to resident ID card, household registration certificate, military officer's ID card or other valid residence documents) and their copies; (2) House purchase and sale contract. If purchasing a second-hand house, provide the property ownership certificate of the purchased house; (3) Income certificate recognized by Bank of China (can be issued by the unit) Original and copy of income certificate, tax certificate, bank statement or bank savings passbook) and/or other supporting materials proving the applicant’s ability to repay (including family asset certificate, personal investment income certificate, etc.); (4) Provident Fund Proof of payment; (5) Proof of owning (purchasing a second-hand house) or having paid the required proportion of the down payment for the house purchased; (6) Original and copy of the passbook issued by the Bank of China for repaying the principal and interest of the loan; (7) ) Other supporting documents or information required by Bank of China. Any copies of the above information must be verified with the originals. 2. The account manager investigates you and your transaction behavior through various possible methods (including interviews, phone calls, on-site inspection of the house being traded, querying the CCS system or CCAS system, personal credit system, and verifying the borrower's provident fund payment with the management agency situation, etc.) to make a preliminary judgment on the feasibility of the loan. 3. If you purchase a second-hand house, notify the appraisal agency recognized by Bank of China to evaluate the transaction house (customers can also go to the appraisal agency recognized by Bank of China to handle the appraisal procedures on their own). 3. Since there are differences in the policies and requirements of housing provident fund management centers in different regions for handling personal housing provident fund loans, you need to consult the provident fund loan business outlet or the local provident fund management center for details.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

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